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Upturn AI SWOT - About
BWB 
Bridgewater Bancshares Inc (BWB)
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Upturn Advisory Summary
04/01/2025: BWB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 4.57% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 384.97M USD | Price to earnings Ratio 13.49 | 1Y Target Price 17.5 |
Price to earnings Ratio 13.49 | 1Y Target Price 17.5 | ||
Volume (30-day avg) 42019 | Beta 0.68 | 52 Weeks Range 10.52 - 16.00 | Updated Date 03/31/2025 |
52 Weeks Range 10.52 - 16.00 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.03 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.96% | Operating Margin (TTM) 40.89% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 7.43% |
Valuation
Trailing PE 13.49 | Forward PE - | Enterprise Value 635244800 | Price to Sales(TTM) 3.63 |
Enterprise Value 635244800 | Price to Sales(TTM) 3.63 | ||
Enterprise Value to Revenue 8.39 | Enterprise Value to EBITDA - | Shares Outstanding 27596300 | Shares Floating 21997299 |
Shares Outstanding 27596300 | Shares Floating 21997299 | ||
Percent Insiders 20.57 | Percent Institutions 60.52 |
Analyst Ratings
Rating 4.67 | Target Price 17.17 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bridgewater Bancshares Inc
Company Overview
History and Background
Bridgewater Bancshares, Inc. is a bank holding company for Bridgewater Bank. The bank was founded in 2005 in Bloomington, Minnesota, focusing on serving the diverse needs of commercial real estate investors, small business entrepreneurs, and high-net-worth individuals.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products and services, including commercial real estate loans, construction loans, and small business loans.
- Retail Banking: Provides deposit accounts, online banking, and other retail banking services to individuals and businesses.
- Wealth Management: Offers wealth management and investment advisory services to high-net-worth clients.
Leadership and Structure
Jerry Baack is the current CEO. The organizational structure includes departments for commercial lending, retail banking, finance, operations, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the acquisition, development, and refinancing of commercial properties. Market share data is difficult to ascertain precisely, but the bank operates in a competitive regional market. Competitors include other regional banks and national lenders.
- Small Business Loans: Loans to small businesses for various purposes, including working capital, equipment financing, and expansion. Market share data is difficult to ascertain precisely, but the bank operates in a competitive regional market. Competitors include other regional banks and national lenders, as well as online lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is difficult to ascertain precisely, but the bank operates in a competitive regional market. Competitors include other regional banks and national lenders, as well as credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, evolving customer expectations (digital banking), and rising interest rates. Economic conditions affect loan demand and credit quality.
Positioning
Bridgewater Bank is a regional bank focused on commercial real estate and small business lending, aiming to provide personalized service and local expertise. Competitive advantages may include strong local relationships and quick decision-making.
Total Addressable Market (TAM)
The TAM for banking services in the Minneapolis-St. Paul metropolitan area and the broader Minnesota region is substantial, estimated to be worth several billion dollars. Bridgewater Bank is positioned to capture a portion of this market through its focus on commercial real estate and small business lending.
Upturn SWOT Analysis
Strengths
- Strong relationships with local businesses and real estate developers
- Experienced management team
- Focus on commercial real estate and small business lending
- High asset quality
Weaknesses
- Limited geographic presence
- Reliance on commercial real estate lending
- Smaller size compared to larger national banks
- Potential for increased competition from larger banks with greater resources
Opportunities
- Expansion into new geographic markets within Minnesota or neighboring states
- Increased adoption of digital banking technologies
- Growing demand for commercial real estate and small business lending
- Acquisition of smaller community banks
Threats
- Economic downturn leading to loan defaults
- Increased regulatory scrutiny
- Rising interest rates impacting loan demand
- Competition from larger national banks and online lenders
Competitors and Market Share
Key Competitors
- TCF Financial Corporation (TCF)
- U.S. Bancorp (USB)
- Associated Banc-Corp (ASB)
Competitive Landscape
Bridgewater Bank competes primarily with other regional and national banks. Its strengths lie in personalized service and local expertise, while its weaknesses stem from its smaller size and limited geographic reach. Its success depends on differentiating itself through customer service and specialization.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analyzing past financial performance.
Future Projections: Future projections require accessing analyst reports and financial forecasts.
Recent Initiatives: Requires access to recent company announcements, press releases, and investor presentations.
Summary
Bridgewater Bancshares is a regional bank focused on commercial real estate and small business lending. It leverages local relationships to provide personalized service, but its smaller size presents limitations compared to national competitors. The bank's success depends on managing credit risk, expanding its digital capabilities, and growing strategically in its chosen markets. It needs to look out for economic downturns and increased regulatory scrutiny.
Similar Companies
- TCF
- USB
- ASB
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The data and analysis provided are based on available information and are subject to change. This is not financial advice. Consult with a qualified professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bridgewater Bancshares Inc
Exchange NASDAQ | Headquaters St. Louis Park, MN, United States | ||
IPO Launch date 2018-03-14 | CEO Founder & Non Independent Executive Chairman Mr. Gerald John Baack | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 290 | |
Full time employees 290 | |||
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services in the United States. The company offers commercial loans, including loans secured by nonfarm, nonresidential properties, multifamily residential properties, and nonowner occupied single family residential properties; construction, land development, and commercial and industrial loans; commercial real estate loans, such as owner and nonowner occupied properties; single family residential construction, land development, finished lots and raw land, and commercial and multifamily construction loans, as well as paycheck protection program loans. It also provides deposit products, including savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction accounts, as well as certificates of deposit. In addition, the company offers online, mobile, and direct banking services. The company was incorporated in 2005 and is headquartered in St. Louis Park, Minnesota.
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